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<DIV>A followup to the Woodman house offering. There is no reason
why this sale would not be eligible for MaineHousing's first time homebuyer
program. Low interest, money available, modest or
no down payments possible: Check this
out:: Mark</DIV>
<DIV> </DIV>
<DIV>
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<TD class=TEXTTitle vAlign=bottom align=left hasbox="2">Program
Summary</TD></TR></TBODY></TABLE><BR><SPAN class=TEXTNormal hasbox="2">
<P hasbox="2">MaineHousing\u2019s First Home Program provides low fixed rate
mortgages to help Maine people buy homes of their own \u2013 often with little
or no down payment. Mortgage options are available with no points, low
points, and extended payment terms \u2013 you choose what\u2019s right for
you.<BR><BR><SPAN class=TEXTNormal hasbox="2">First Home interest rates
are usually lower than market interest rates for similar products. Lower
interest rates mean lower monthly payments. This can save thousands of
dollars -- and often tens of thousands of dollars -- over the full term of
a loan. To see how much a MaineHousing mortgage can save you, compare the
effect of a <A
href="http://www.mainehousing.org/DATAInterestRates.aspx">MaineHousing
interest rate</A> and a market rate using an online <A
href="http://www.mainehousing.org/EDUCalculatorMortgage.aspx"
hasbox="2">mortgage calculator</A>. </SPAN><BR><BR><SPAN class=TEXTNormal
hasbox="2"><A name=MaineHOPE></A>All First Home mortgages also come with
payment protection for unemployment. If you are a MaineHousing borrower in
good standing and become unemployed, Maine HOPE \u2013 HomeOwnership Protection
for unEmployment \u2013 may be able to help by making four MaineHousing
mortgage payments, including taxes and homeowners insurance. The amount
paid becomes a junior mortgage lien, with no interest, that is repaid when
you pay off your MaineHousing mortgage or stop using the home as your
primary residence. It\u2019s a little added protection for you and your
home.</SPAN><BR><BR><SPAN class=TEXTNormal hasbox="2">MaineHousing
mortgage options include: </SPAN><BR></P>
<UL hasbox="2">
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px" hasbox="2"><SPAN
class=TEXTHeaderBlue hasbox="2">No point and low point options</SPAN> -
Discount points may be paid at closing to reduce your interest rate.
MaineHousing offers both a zero point and a two point mortgage option.
Whether payment of points makes financial sense for you may depend on
how long you think you\u2019ll stay in your home without refinancing your
mortgage.
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px"><SPAN
class=TEXTHeaderBlue>Optional 40-year term</SPAN> - MaineHousing now
offers an extended term option that allows you to repay your loan over
40 years. (This option is not available for mobile homes.) If you choose
the 40-year term, your monthly payment will be lower, but you will pay a
higher interest rate and more interest over time.
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px" hasbox="2"><SPAN
class=TEXTHeaderBlue>Down payment and closing cost assistance</SPAN> - A
MaineHousing loan with mortgage insurance can help you buy a home with
little or no down payment. But if you still need help with the cash
needed for closing, consider the Maine Assist option. You may be
eligible for 3% of your mortgage amount \u2014 up to $4,000. Borrowers using
Maine Assist will have a slightly higher interest rate on their loans
and must complete a <A
href="http://www.mainehousing.org/EDUHomebuyerEducationClasses.aspx">hoMEworks
homebuyer class</A> to be eligible. (If you are interested in Maine
Assist you may also be interested in the <A
href="http://www.mainehousing.org/PROGRAMSMadi.aspx?ProgramID=40">Maine
American Dream Initiative Program (MADI)</A>.)
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px" hasbox="2"><SPAN
class=TEXTHeaderBlue><A name=PurchasePlus></A>Home improvements included
in your loan amount</SPAN> - The Purchase Plus Improvement option
finances the purchase and repair of a home with one loan. If you are
eligible, you may include between $500 and $15,000 for <SPAN
title="header=[Home Improvements] body=[Eligible improvements include energy efficiency upgrades, heating, plumbing, or electrical systems, home additions and general repairs.]">home
improvements <IMG alt=""
src="http://www.mainehousing.org/Images/Graphics/ArrowLink_GR.gif"
border=0></SPAN> in your mortgage, as long as the cost of the home plus
improvements does not exceed program <A
href="http://www.mainehousing.org/HOMEBUYERPurchasePriceLimits.html"
target=_blank hasbox="2">purchase price limits</A>.
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px" hasbox="2"><SPAN
class=TEXTHeaderBlue hasbox="2">Financing for mobile homes</SPAN> -
MaineHousing offers mortgages for single- and double-wide mobile homes
located on owned or leased land. The Mobile Home Self-Insured option
provides financing for mobile home property types that are ineligible
for private or federal mortgage insurance. With this program option,
there is a purchase price limit of $150,000 statewide, interest rates
will be a little higher, and the term of the loan is based on the age of
the mobile home. </LI></UL><SPAN class=TEXTNormal>MaineHousing has been a
trusted source for mortgage financing for over 30 years. If you choose a
MaineHousing mortgage, your mortgage stays with us \u2013 it will never be
sold. </SPAN></SPAN><BR><BR><BR>
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<TD class=TEXTTitle vAlign=bottom align=left hasbox="2">Am I
Eligible?</TD></TR></TBODY></TABLE>
<BLOCKQUOTE hasbox="2"><SPAN class=TEXTNormal hasbox="2">You may be
eligible if you:</SPAN>
<UL hasbox="2">
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px" hasbox="2">Are a
first-time homebuyer.
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px" hasbox="2">Have not
had an ownership interest in your home within the past three years.
</LI></UL><SPAN class=TEXTNormal hasbox="2">Although <A
href="http://www.mainehousing.org/HOMEBUYERIncomeLimits.html"
target=_blank>household income limits</A> apply, most Maine households
are income-eligible for the program. Limits vary depending on how many
people live in your household and where you plan to buy your home.
</SPAN><BR><BR><SPAN class=TEXTNormal>Most types of homes qualify for a
First Home mortgage, including:</SPAN>
<UL hasbox="2">
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px" hasbox="2">New and
existing single family homes.
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px"
hasbox="2">Owner-occupied, 2- to 4-unit apartment buildings.
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px"
hasbox="2">Condominiums.
<LI class=TEXTNormal style="PADDING-BOTTOM: 5px"
hasbox="2">Permanently attached mobile homes built within the last 20
years. (Mobile home must be located on owned or leased land.)
</LI></UL><SPAN class=TEXTNormal><A
href="http://www.mainehousing.org/HOMEBUYERPurchasePriceLimits.html"
target=_blank>Home purchase price limits</A> apply, but vary by location
and are seldom a limiting factor. </SPAN><BR></BLOCKQUOTE><BR>
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<TD class=TEXTTitle vAlign=bottom align=left>How Do I
Apply?</TD></TR></TBODY></TABLE>
<BLOCKQUOTE hasbox="2"><SPAN class=TEXTNormal>Apply for a MaineHousing
First Home loan at one of our more than 30 <A
href="http://www.mainehousing.org/HOMEBUYERLenders.aspx">Participating
Lenders</A>. </SPAN><BR><BR><SPAN class=TEXTNormal>For more information
see related information at the top right of the page, download our <A
href="http://www.mainehousing.org/Documents/Brochures/Brochure-FirstHome.pdf"
target=_blank>First Home brochure</A>, or contact:</SPAN> <BR><BR>
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<TD vAlign=center align=left colSpan=2 height=20><SPAN
class=TEXTHeaderBlue>Homeownership Department</SPAN> <SPAN
class=TEXTNormal></SPAN></TD></TR>
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width=21> </TD><!-- <td class="TEXTNormal" valign="middle" align="left" height="25"><a id="myfirsthome" href="#" onclick='EmailMe(this.id)'>Email Us</a></td> -->
<TD class=TEXTNormal vAlign=center align=left height=25
hasbox="2"><A href="mailto:myfirsthome@mainehousing.org">Email
Us</A> </TD></TR>
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height=21 alt=""
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width=21 hasbox="2"> </TD>
<TD class=TEXTNormal vAlign=center width=448 height=25
hasbox="2">(207) 626-4663
</TD></TR></TBODY></TABLE></BLOCKQUOTE><BR></TD></TR></TBODY></TABLE></DIV></FONT></FONT><BR><BR><BR><DIV CLASS="aol_ad_footer" ID="a9c4939b285b7dd91361addfb30f58f"><FONT style="color: black; font: normal 10pt ARIAL, SAN-SERIF;"><HR style="MARGIN-TOP: 10px">Stay in touch with ALL of your friends: update your AIM, Bebo, Facebook, and MySpace pages with just one click. <a href="http://www.aol.com/?optin=new-dp&icid=aolcom40vanity&ncid=emlcntaolcom00000012">The NEW AOL.com</a>.</FONT></DIV></BODY></HTML>